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Berkshire Hathaway Travel Insurance Review: Is it Worth the Cost?

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What is Berkshire Hathaway travel protection?

Is berkshire hathaway travel insurance a good insurance company, berkshire hathaway travel protection plans, how much does berkshire hathaway travel insurance cost, how to find berkshire hathaway trip insurance online, which berkshire hathaway travel protection plan is best for me, berkshire hathaway travel protection review recapped.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

If you’re considering buying travel insurance, ask yourself the following questions:

If your luggage didn’t arrive in Iceland, would you have the budget for a new set of winter clothes?

If an unexpected event cut short your trip to Italy, could you afford a last-minute ticket home?

If you got stuck in Cancun because of a hurricane, would the extra cost of an extended stay put you out financially?

Adding expenses to an already pricey vacation is likely one of the last things you want to do. However, if something goes wrong, travel insurance coverage can help cover some of the additional costs.

Let’s look at the travel insurance plans that Berkshire Hathaway Travel Protection offers globetrotters, how to buy a policy and some factors to consider when choosing the right one for you.

Run by Chair and CEO Warren Buffett, Berkshire Hathaway is a multinational holding company that owns a plethora of businesses — from well-known ones like Geico and Duracell to a variety of insurance, manufacturing and retail companies. Berkshire Hathaway Travel Protection is where you’d go to buy travel insurance.

It sure is. Berkshire Hathaway Travel Protection was founded in 2014 and provides travel insurance coverage for trip delay and interruption , baggage delay and loss , medical expenses and emergency evacuation and repatriation services.

All plans also include 24/7 emergency travel assistance. Additionally, the company says it pays out claims five times faster than the industry average — in some cases, you may receive reimbursement the same day you make your claim .

» Learn more: What to know before buying travel insurance

There are several plans travelers can choose from, depending on their needs and preferred coverage limits. Here’s a brief overview of each plan:

ExactCare Extra: This plan covers trip cancellation , interruption and delay. It also provides compensation for missed connections or a tarmac delay. As for medical coverage, you’re covered for up to $500,000 for emergency medical evacuation. This plan also includes a medical expense reimbursement of up to $50,000.

ExactCare: This policy gets you $500,000 toward medical evacuation costs but only $25,000 toward emergency medical costs.

ExactCare Value: This budget option covers up to $15,000 in emergency medical costs and $150,000 in medical evacuation expenses.

LuxuryCare: This plan covers up to $100,000 in emergency medical coverage and up to $1,000,000 for emergency medical evacuation. You also have sporting equipment delay coverage.

WaveCare: This plan provides up to $750,000 for medical evacuation and $75,000 for medical costs. You also get $10,000 toward accidental death coverage, which can increase to $50,000 if you buy the policy within 15 days of your initial trip deposit. This plan also pays up to $500 if you’re confined to a cruise ship without power, food or water as part of the policy's cruise disablement coverage.

AdrenalineCare: This plan is the only option that includes extreme and adventure sports coverage in the bundle. It covers up to $750,000 for medical evacuation, $50,000 for medical costs and up to $10,000 for accidental death.

AirCare: This plan covers only things that go wrong with your flight, including flight cancellation, flight departure delay, flight diversion, tarmac delay, missed connection, lost baggage, baggage delay and late-night delay. It does not provide medical or evacuation coverage.

All of the plans above, except the AirCare plan, include a pre-existing conditions waiver if you buy a policy within 15 days of the initial trip deposit date.

» Learn more: The best travel insurance companies

Let’s compare the coverage limits and prices of Berkshire Hathaway’s plans for a 10-day trip to Italy that costs $2,000 for a 36-year-old traveler from Utah.

To get a quote, visit the Berkshire Hathaway Travel Protection website and enter your travel parameters, including:

Destination country.

Travel method (plane, automobile or cruise).

Trip dates.

Date of the first payment you made for the trip.

ZIP code of your primary residence.

Date of birth.

Total trip cost.

Number of travelers.

Email address.

You must fill out all fields to proceed. Click on “Check our prices” to view the cost for each plan.

You’ll be able to edit any or all parts of your quote, including your destination, residence, travel mode, dates, number of travelers and trip costs.

After you receive a quote, look over all the policy details and decide which one is right for you. The LuxuryCare plan has the highest limits for medical expenses and medical evacuation, but it’s also the most expensive. On the other plans, the medical coverage is rather limited.

To ensure you’re getting the biggest bang for your buck, we recommend comparing quotes from several insurance providers. Squaremouth, a travel insurance marketplace and NerdWallet partner, gives you quotes from multiple providers to help you decide when shopping for travel insurance.

Many travel credit cards include various trip protections, so look over those benefits to ensure you’re not paying for something you already have.

» Learn more: The best credit cards for travel insurance benefits

You never know what might happen before or during a trip, so buying travel insurance is usually a good idea. A trip protection policy can help you recoup unexpected costs and save you a headache later.

Berkshire Hathaway Travel Protection is a trustworthy insurance provider, and the speed with which it processes claims is impressive. However, its medical coverage limits aren’t the highest. If you’re looking for emergency medical coverage, we recommend considering other travel insurance providers.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

• Travel insurance plans

Berkshire Hathaway Travel Insurance Cost

Compare berkshire hathaway travel insurance.

• Why You Should Trust Us

Berkshire Hathaway Travel Protection review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Berkshire Hathaway Travel Protection is one of the leading insurance brands on the market. It offers several plans with key add-ons for travelers. The company also underwrites several policies sold by other travel insurance providers. Berkshire Hathaway boasts thousands of positive ratings from customers, an A+ rating from the Better Business Bureau, and an easy-to-use claim submission process.

This review will help you understand what Berkshire Hathaway Travel Protection has to offer and guide you toward the right insurance package for your needs.

Covers up to 100% of trip cancellation costs, a minimum of up to $750 in luggage losses, and 24/7 worldwide travel insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers up to 100% trip cancellation refund for eligible travel
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans are customizable with relevant add-ons
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good customer service and easy sign up according to traveler reviews
• con icon Two crossed lines that form an 'X'. More affordable plans offer low caps on medical and emergency coverage
• con icon Two crossed lines that form an 'X'. Premiums are on the expensive side relative to comparable competitor plans
• con icon Two crossed lines that form an 'X'. Claims may take longer during peak travel seasons

Berkshire Hathaway Travel Protection is one of the leading insurance brands on the market. It offers several plans with key add-ons for travelers.

• This provider underwrites travel insurance policies for a number of other companies in addition to offering its own plans
• Travelers can file claims directly from a smartphone by using the BHTP app

Berkshire Hathaway Travel Insurance Review: Types of Policies Offered

Berkshire Hathaway offers several travel insurance policies for diverse needs. If you're unsure of what you need, the flagship product covers the essentials. If you are planning a road trip, taking a cruise , or focusing on luxury or adventure, Berkshire Hathaway Travel Protection offers plans for your unique needs.

Berkshire Hathaway's online quote generator is intuitive and easy to use. Once you submit a few details including your trip, you'll get a list of eligible travel insurance policies and the cost comparison. You can also add bonus coverage options to your insurance shopping cart before completing the transaction online.

One-size-fits-all coverage (ExactCare)

The most popular policy, ExactCare, will work for most travelers. ExactCare's travel-agnostic insurance package offers 3 coverage tiers: ExactCare Value, ExactCare, and ExactCare Extra. Each of these policies covers up to 100% of trip cancellation costs, a minimum of up to $750 in luggage losses, and 24/7 worldwide travel insurance. 

Category-specific insurance plans are available as well for the following types of travel:

Road trip coverage (ExactCare Lite)

ExactCare Lite is a low-coverage policy for nonrefundable costs on domestic road trips such as hotel rooms, attractions, and event tickets. ExactCare Lite also includes emergency medical and medical evacuation coverage for covered events occurring more than 100 miles away from your home.

Importantly, if you have preexisting conditions that require ongoing care such as diabetes, high blood pressure, etc., a preexisting conditions waiver can be purchased within 15 days of the initial trip payment. Similarly, coverage for your kids can be included if purchased within 15 days of the initial trip payment.

Cruise coverage (WaveCare)

Coverage for preexisting conditions can only be added if insurance policy is purchased within 15 days of initial trip payment)

Comprehensive coverage (AdrenalineCare)

If you're taking a bucket list trip with increased risk, higher costs, or complex travel details, take a look at AdrenalineCare. This comprehensive policy offers higher coverage ceilings for trip cancellation or interruption, equipment delay, license fee refunds, medical emergencies, lost baggage, and medical evacuation. This product is especially useful if you're planning a trip with tight connections for transit, such as short times between connecting flights or a risky transfer from a vehicle to a boat or plane since the plan includes coverage for missed connections.

Additional coverage (can only be added if insurance policy is purchased within 15 days of initial trip payment)

Travelers with preexisting conditions need not worry with this plan. Coverage is included as are financial default and terrorism coverages.

High-end coverage (LuxuryCare)

LuxuryCare offers Berkshire Hathaway's highest ceilings for coverage for those times when your trip is too important or expensive to risk your investment.

Coverages for preexisting conditions and financial default are included.

Additional coverage options from Berkshire Hathaway Travel Protection

Flight coverage (aircare).

AirCare covers expenses specific to aviation travel including unexpected aircraft and tarmac delays, equipment failure, lost luggage, flight diversions, and late-night travel delays. This product is a good fit for travelers who are comfortable managing other aspects of travel risk on their own but want additional peace of mind in the event of flight-related hiccups.

AirCare sells a standalone policy or as an add-on alongside Berkshire Hathaway's lower-tier travel insurance plans.

On average, travel insurance costs fall between 4% to 12% of your total trip costs, depending on the type of coverage you purchase. Based on the trips we tested, Berkshire Hathaway Travel Protection insurance plans clocked in at 3.5% to 5.5% of total travel costs on most policies. Budget plans such as ExactCare Lite and AirCare came in at 0.5% of total travel costs for basic coverage.

How to File a Claim with Berkshire Hathaway Travel Insurance

Berkshire Hathaway Travel Protection makes it easy to file a claim using the dedicated app, available for both iOS and Android devices. Register for an online account, upload your travel details under your insurance policy, and complete the required information to submit your claim even while you're still on your trip.

For certain types of claims, such as lost baggage, you only need to submit a photograph of the claim you filed with the airline in addition to some basic information about the situation.

Many of the most positive customer reviews for Berkshire Hathaway Travel Protection center around peace of mind. Customers didn't have to file a claim, but enrollment was simple, and they were glad they had it. Reviews also note easy processing if you need to push your trip back (and use the same policy for your new trip). Some customers reporting to the BBB state that claims processing can be drawn out for weeks or even months. These delays may be more pronounced during high travel seasons.

If you prefer to file a claim more traditionally, you can reach Berkshire Hathaway Travel Protection customer service via:

Website: https://www.bhtp.com/contact

Email: [email protected]

Phone: (844) 411-2487 (select option 5 to file a claim)

International number: +1 (715) 303-6333 (international calling rates will apply)

Customer service representatives are available between 7 a.m. and 7 p.m. Central Time, Monday through Friday, and the company is closed for national holidays. Callers can also reach an emergency operator 24/7 for travel or medical assistance by selecting options 1 or 2.

Learn more about how Berkshire Hathaway compares to top travel insurance providers.

Berkshire Hathaway Travel Protection vs. Nationwide Travel Insurance

Berkshire Hathaway Travel Protection is ranked favorably next to Nationwide, which is one of the most popular travel insurance providers in the market. You can't go wrong picking a plan from either company. Both offer similarly priced and customizable policies for different types of travelers. These plans are highly ranked by both the Better Business Bureau and thousands of positive customer reviews.

Nationwide Travel Insurance Review

Berkshire Hathaway Travel Protection vs. WorldTrips Travel Insurance

If you're in the market for one of Berkshire Hathaway's budget insurance policies, you may also want to consider options from WorldTrips. Like Berkshire Hathaway, WorldTrips is an industry leader providing low-cost plans with great coverage for most trips at competitive rates.

If you need travel medical insurance for a study abroad program, WorldTrips offers an international policy designed to meet students' needs. Keep in mind, WorldTrips has exclusions for pre-existing conditions on many policies. So if you're planning on being abroad for an extended period, you should make prior arrangements for things like diabetes, asthma, or other chronic conditions.

WorldTrips Travel Insurance Review

Berkshire Hathaway Travel Protection vs. Credit Card Travel Insurance

If you're considering the ExactCare Lite or AirCare travel plans from Berkshire Hathaway, you might find equal or even superior Travel Protection through your credit card .

Some credit card providers offer travel insurance benefits with sizable payouts. This includes reimbursements for lost or delayed baggage far exceeding Berkshire Hathaway's coverage limits. Similarly, some of the best credit cards offering travel insurance also advertise generous ceilings for medical insurance and evacuation benefits extending coverage into the million-dollar range.

Best Credit Cards with Travel Insurance

Why You Should Trust Us: How We Reviewed Berkshire Hathaway Travel Insurance

To review Berkshire Hathaway Travel Protection, we looked at coverage limits, cost, customer service, claim limits, how plans can be customized, and much more. Then we compared these factors with the best travel insurance companies .

We named Berkshire Hathaway Travel Protection as a top pick in Insider's best travel insurance companies guide because of the company's long-standing reputation in insurance. Berkshire Hathaway's travel insurance policies provide a slew of coverage options at different price points for various types of travelers. Furthermore, the company offers great customer support, intuitive resources, and a big name giving customers peace of mind. Check out our ratings guide to see how we rate travel insurance companies .

Berkshire Hathaway Travel Protection FAQs

Berkshire Hathaway is one of the most reputable travel insurance providers in the industry. The company provides several plans backed by great customer service.

You can use the Berkshire Hathaway app to file travel insurance claims directly on your phone. Most claims can be submitted with a few basic pieces of information and a photo or screenshot. Reimbursement times will vary, but Berkshire Hathaway offers multiple channels for customer service including phone, email, phone apps, etc.

You can easily buy a travel insurance policy online from Berkshire Hathaway Travel Protection. The website quote generator allows you to select the best plan, compare pricing, and check out in mere minutes.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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